The top-rated long-term care insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 17 long-term care insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Steve Jarvis - State Farm Insurance Agent | 834 Black River Blvd | (315) 336-5595 |
| 6 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 7 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 8 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 9 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
| 10 | Michael Garcia: Allstate Insurance | 706 Erie Blvd W | (315) 337-6666 |
Stephanie Utter - State Farm Insurance Agent serves the Rome, New York area and surrounding Oneida County as a local provider of long-term care insurance planning. This agency helps individuals understand how to prepare for potential future needs related to aging or chronic conditions. Guidance is offered on policies that cover in-home assistance, assisted living, and nursing facility care. The office handles consultations for long-term care coverage and can address disability income insurance.
Freeway Insurance provides Long-Term Care Insurance planning services for families in Rome, New York. The agency assists clients with selecting policies that cover nursing home stays and in-home care. It works with individuals to protect assets against the high costs of extended medical needs. The agent helps evaluate coverage options suited to retirement planning and local facility costs. This is especially valuable during open enrollment periods when seniors review their coverage for the coming year.
Michael Collea - State Farm Insurance Agent in Rome, NY, provides long-term care insurance to help clients prepare for future health needs. The agency assists with policy selection and offers ongoing support for plan maintenance, including reviewing coverage options as circumstances change. Helping individuals understand how long-term care policies can integrate with overall financial strategies is a core part of its services. The agency serves single-family homeowners, apartment dwellers, retail businesses, and restaurants.
Moore Insurance Group serves the Rome, New York area and surrounding communities, handling long-term care insurance to help clients plan for future health needs. It focuses on policies that provide care at home, in assisted living facilities, or in nursing homes. The agency works with individuals to evaluate and compare available coverage options. To handle a typical job, Moore Insurance Group conducts a personalized review of a client’s financial situation and health concerns before recommending suitable policy choices that match their goals.
Homeowners and business owners in Rome, NY turn to Steve Jarvis - State Farm Insurance Agent for long-term care insurance guidance. This agency helps clients plan for future care needs by explaining policy options that protect assets and provide access to home or facility services. The team assists with comparing coverage details and navigating application processes. Their services also extend to nearby communities such as Utica and the greater Oneida County area.
Joseph Zullo: Allstate Insurance in Rome, NY, helps clients compare one-time policy purchases with recurring premium options for long-term care coverage. These plans address costs associated with nursing homes, assisted living, and home health aides that standard health insurance often excludes. As a local agent, Joseph provides guidance on policy features such as benefit periods, daily benefit amounts, and inflation protection riders. Service runs on a one-time, scheduled, or as-needed basis, with appointments available for new policy reviews or existing plan adjustments.
Alan I. Spindler: Allstate Insurance in Rome, NY specializes in long-term care insurance agent services. The agency assists local clients with understanding policy options and coverage for extended care needs. It provides guidance through the application process and helps with claims support for existing policies. Its general work includes reviewing individual situations to match suitable plans. As many residents consider winter months when mobility becomes more challenging, the agency helps them prepare for potential future care requirements during these seasonal periods.
As winter approaches in Rome, many families begin planning for the potential long-term care needs of aging relatives. Better Fund Insurance offers dedicated long-term care insurance guidance to help local households navigate this complex protection. Their brokers work personally with clients to explain policy options and develop coverage that addresses individual retirement and health scenarios. Understanding the financial risks of residential care or in-home assistance, residents discuss their future precautionary strategies. A comprehensive assessment of a client’s current savings and care preferences marks the standard first step in the planning process.
Dimaggio Insurance Agency provides long-term care insurance services for residents in the Rome, New York area. The agency also handles commercial coverage needs for local businesses seeking to manage employee and client care planning within the region. As a dedicated long-term care insurance agent, the agency assists clients in understanding policy options that protect assets and cover essential care expenses. Follow-up service and coverage adjustments are offered between regular policy review visits to ensure plans remain responsive to changing health circumstances.
Michael Garcia: Allstate Insurance provides long-term care insurance services to clients in Rome, New York. This agency focuses on helping individuals plan for future care needs, offering policies that cover assisted living and home health care expenses. Their specialists assess customers personal situations and financial goals. Policies can be tailored to protect assets from the high costs of extended medical support. The agency serves local business accounts including offices, warehouses, and food service establishments.
What Does a a Long-Term Care Insurance Agent in Rome Cost?
Long-term care insurance premiums in New York vary widely based on age, health, and coverage level. A typical policy for a 55 year old may cost between 1,500 and 3,000 dollars per year. Policies with inflation protection and higher daily benefits cost more. This is general information and not insurance advice.
About long-term care insurance agents in Rome
Long-term care insurance agents in Rome New York help residents plan for future care needs. New York offers a Partnership for Long-Term Care program that allows policyholders to protect a portion of their assets. Agents guide clients through policy options and New York specific regulations to find suitable coverage.
Frequently Asked Questions
What does a long-term care insurance agent in Rome do?
An agent helps you compare policies from different insurers and explains coverage options. They assess your financial situation and health to recommend a plan that fits your needs. Agents also clarify New York rules such as the Partnership program and tax deductions.
How does New York Partnership for Long-Term Care work?
This state program lets you keep a dollar of assets for every dollar your policy pays in benefits. You must buy a certified Partnership policy from a licensed agent. The policy must meet New York standards for inflation protection and benefit amounts.
Are long-term care insurance premiums tax deductible in New York?
New York allows a state tax deduction for qualified long-term care insurance premiums. The deduction amount depends on your age and the policy type. Your agent can provide details on current limits and how to claim the deduction on your state return.
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